I'd be curious to know if this service is limited to helping people set up payment plans? I'd be pretty concerned if this is the case - I used to work in this field for a charity providing debt advice in the UK and pretty much rule number #1 is to advise somebody of all of their options, including stuff like bankruptcy.

A service that does not do that is doing a pretty bad job imo. If you have spent any time with people who have debt problems you would know that by the time they seek help they are in a situation whereby (for a large % of cases) bankruptcy or court-ordered payment plans are the only viable option they have. Getting somebody onto a payment plan when they should be going bankrupt is doing them a huge disservice.

I considered some years ago going into this market myself but I could never get past the need for face to face meets with clients. Getting them to accurately provide you with enough information that you can give them proper advice is hard enough in person, let alone online.

In any case, I'll be interested to watch this and see how you guys get along with it. Good luck.